Investor Presentaiton

Loan and deposit spreads Net loan balances & spreads € bn Deposit mix & cost evolution bps, € bn 220 275 131 359 333 320 313 309 (38) 17 % Total 48.5 50.1 50.8 50.2 51.8 9.1 9.0 10.4 13.0 14.8 29% 38.9 38.7 38.7 38.1 38.2 End of quarter balances 39.4 41.1 40.4 37.2 71% 37.0 Q2'22 Q3'22 Q4'22 Q1' 23 Q2' 23 Q2'22 Q3'22 Group Loans Spread Net Loans Lending spreads (Greece and SEE) Group Deposits Spread Deposit spreads (Greece and SEE) Q4'22 Q1' 23 Q2' 23 Time Deposits Core Deposits bps Consumer Credit 845 821 Small Business Loans 751 SEE Loans 707 666 Large Corporates Mortgages 448 414 365 374 364 346 324 312 300 -308 351 323 309. -O 307 315 226 218 215 214 216 Q2'22 Q3'22 Q4'22 Q1' 23 Q2' 23 Note: Lending Spreads are revised backwards and recalculated on interest bearing loan balances vs. net balances before. bps O 315 234 195-234 147 83 92 170 164 135 28 3 (36) 10 (48) Q2'22 Q3'22 Q4'22 Q1' 23 Q2' 23 SE Europe Sight & Savings -- Time Deposits 33 ALPHA SERVICES AND HOLDINGS

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